Mortgage Rates Hit the Lowest Levels of the Week
Mortgage rates dipped to their lowest levels of the week following the most recent Fed day. Instead of pushing higher, the bond market carried momentum from the prior afternoon, allowing mortgage pricing to improve modestly across most loan types. This move does not confirm a long-term trend, but it does create short-term opportunity for borrowers making lock or pricing decisions.
Mortgage Rates at a Glance
- 30-Year Fixed: 6.26% (↓ 0.04%)
- 15-Year Fixed: 5.76% (↓ 0.04%)
- 30-Year FHA: 5.88% (↓ 0.02%)
- 30-Year VA: 5.90% (↓ 0.02%)
- 30-Year Jumbo: 6.42% (↓ 0.03%)
- 7/6 SOFR ARM: 5.95% (↓ 0.07%)
Rate data source: Mortgage rate data shown is based on national lender averages as reported by Mortgage News Daily.
Rate timing: Rates reflect national averages as of December 11, 2025 and may change daily based on market conditions.
Explore Loan Options (Dec 17th, 2025)Important disclosure: Rates shown are not a quote or a commitment to lend. Actual rates, APR, and terms vary based on borrower credit profile, loan program, occupancy, property type, down payment, seller concessions, discount points, and market conditions.
Why Rates Moved Lower After the Fed
Mortgage rates do not follow the Federal Funds Rate directly. They follow the bond market, specifically mortgage-backed securities.
In this case, bond market momentum carried forward from the prior afternoon and continued to favor lower yields. That movement translated into slightly improved mortgage pricing the following day.
Explore Loan Options (Dec 17th, 2025)What This Does and Does Not Mean
This move does not signal a confirmed downward trend. Rates remain well within their recent range, and volatility continues to be normal.
What it does mean is that borrowers already under contract, nearing a rate lock, or structuring deals with seller concessions gained some breathing room.
VA Loans Remain a Pricing Advantage
The 30-Year VA Loan continues to price below most conventional and jumbo options.
Explore Loan Options (Dec 17th, 2025)For eligible service members and veterans, VA loans often provide lower rates, no monthly mortgage insurance, and more flexible underwriting standards.
ARMs Are Reentering the Conversation
The 7/6 SOFR ARM posted the largest improvement this week.
Explore Loan Options (Dec 17th, 2025)Adjustable-rate mortgages are not a fit for every borrower, but they are becoming relevant again for short-term ownership and cash-flow-focused strategies.
What This Means for You
This rate dip creates short-term opportunity, not long-term certainty.
Borrowers who focus on structure, concessions, and lock strategy often gain more ground than those waiting on headlines.
Explore Loan Options (Dec 17th, 2025) Learn More About VA Loans (Dec 17th, 2025)
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